It's all very well and good to shun chain stores -- we do it all the time. But when it comes to clothing, money talks. And what it says is, "How much is a plain black T-shirt really worth?" This kind of interrogation makes us hang our heads in shame at the thought of paying boutique prices for everyday togs. In a world where not much of anything makes sense anymore, bargains are a true comfort. And at roomy, rambling Ross, seasonal garb comes in hundreds of colorful, fashionable styles with panic-free price tags, so a walletful of clams buys four pairs of Capris instead of one. It isn't haute couture, but you probably aren't Madonna. And never underestimate what a string of pearls, a pair of day-glo socks, and whimsical barrettes can do to make off-the-rack rags look like a million bucks.